Find cheap car insurance

Car insurance factors you can’t control

Your age. Young drivers are statistically more likely to have an accident and make a claim, and therefore have to pay higher insurance premiums.

Your driving record. If you have got points on your licence, such as a speeding offence, or a driving conviction you’ll have to pay a higher premium as car insurers will consider you to be more of a ‘high-risk’ driver.

Your previous claims. Car insurers reward drivers who don’t make claims on their car insurance with a no-claims discount, which means the less you claim, the less you potentially pay for your car insurance.

Car insurance factors you can control

Your excess. In general, paying a higher excess — the amount you’d have to pay upfront if you made a claim — will mean paying a lower premium. However, you need to make sure that you’re able to afford to pay the excess if you do need to make a claim.

Your security. Installing security devices such as a high-tech immobiliser will help cut the cost of your insurance premium.

Your level of cover. The level of cover you choose will affect the price you pay, 3rd party car insurance is usually the cheapest, while comprehensive is often the most expensive, though this isn’t always the case.

Your car. Factors like the age of the car and the size can affect your quote from insurance providers. Read our guide to find the best car for cheap car insurance.

Other factors that also affect the cost of your insurance

Your postcode. Where you live can have positive or negative or negative effect on your premium – for example, if you live in an area with a high rate of crime, your costs are likely to be more expensive than in other lower risk areas.

Your mileage. Lower annual mileage can lead to cheaper car insurance, so try to be as accurate as you can when getting a quote.

Your parking. If you park in a garage or driveway you can expect cheaper car insurance than if you park on the road due to the reduced risk of theft.

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